What it does
- One record per round: who paid, how much, when, and who receives.
- Late payments at a glance: who hasn't paid yet this round, and past rounds you can reopen to tick a late payer.
- Four formats: turn by turn, a draw or a choice each round, an auction (the winner leaves a bid to the group), or a savings circle paid back at the end.
- A reminder the evening before each round, at 6pm.
- A “Share the status” button: a WhatsApp-ready message with who paid, who hasn't, who receives and the next round. Members don't need the app.
- Any currency, including cash and mobile money you note yourself.
- English and French, by text or voice.
Aïcha and Moussa paid their 20,000 for round 3, Fatou not yet
Round 3 of the family circle: 2 of 3 paid. Fatou is still due. Save it?
Nothing is saved until you confirm.
Try Binome360 for freeWhat it doesn't do
Binome360 doesn't collect, hold or transfer money, and it isn't a regulated payment service. Apps that move a group's money must be licensed; read online savings circles: how they work and the risks before choosing one.
Price
Free for 7 days, no card needed. Then $3.99 a month, $8.99 for 3 months or $23.99 a year on the web, with no automatic renewal.
Frequently asked questions
Does the app hold the circle's money?
No. Members pay each other as they always have; Binome360 only keeps the record of who paid and who receives.
Can every member see the record?
You can share an assistant with the members you invite, so everyone sees the same rounds.
Does it work with mobile money?
Yes, as a record: you or the members note the payment. The app doesn't connect to mobile-money accounts.